You couldn’t wait for the day when Mom and Dad handed over the keys to your first car. A vehicle symbolizes freedom, of being one step closer to becoming an adult and it also means being financially responsible for your actions while driving a car. Wait, what? Pump the breaks, being responsible for what?
Financial responsibility or insurance, you know it’s that little piece of paper in your glove box that says you are coveredin the event of an accident. Well, somebody has to pay to have that coverage, and now you are in the driver’s seat, and that somebody just might be you. So here is a little cheat sheet to help you understand auto insurance just a little bit better.
What Is A Young Or Youthful Driver Exactly?
Alas, one of the few times in life when youth is not necessarily a plus. You see insurance companies view drivers between the ages of 16-25 (sometimes higher depending on the company) as inexperienced and charge significantly higher rates for it.
New drivers tend to rack up speeding tickets twice as fast as more experienced drivers. Don’t be despaired, although you can’t convince the insurers to lower their premiums because you promise to be a safe driver; many will offer discounts for being a responsible automobile owner.
Best Insurance For A Young Driver
Whether you have your auto policy or are still with your parents, these five pro tipswill help with the premiums.
Pick a car that insurers deem safe or cheap to insure. Every year the insurance institute comes out with its “safest” cars list.
Drivers with no tickets or accidents will have a lower premium, every year that your record is clean; your premiums will get better.
Hit the books. Many companies will offer a good student discount if you are still in school.
Companies like Progressive will offer a safe driver discount for no accidents or tickets in the last three years.
Pay your bills on time. Don’t let your insurance lapse; look for paid-in-full discounts or automatic withdrawal discounts.
For more about other factors that go into your auto premiums, check our article about factors that determine your insurance rates
Do I Need Insurance?
You absolutely need insurance. Now, whether you need your own policy or if you need to be added to your parent’s policy will depend on a few things.
If you have a car and it is on your parent’s policy because it is titled to them, you will be added to their policy.
Even if you don’t have a car but have a license you should be added to your parent’s policy.
If you are still considered a youthful driver but purchased the vehicle yourself, you can be on your own policy.
Our auto insurance buyer’s guide will educate you on the coverages and limits offered on auto insurance policies. If you are still a bit fuzzy on the ins and outs of auto insurance, we here at A Plus Insurance are happy to help.
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Thank you so much for helping me get...read moreThank you so much for helping me get my husband insuranceread less
Whitney H.
9/15/2022
Outstanding service. Very helpful!!!
Mitchell J.
6/29/2022
I worked with Alexandra to set up my...read moreI worked with Alexandra to set up my policy. I've never been treated with more respect and kindness! She took her time to find me the policy that fit my needs best. She is thorough, patient and understanding. On a side note, this company also donates part of their earnings to charity. I highly recommend this company!read less
D K.
1/18/2023
Jola helped me on a weekend and a...read moreJola helped me on a weekend and a holiday weekend.she did a great job she got me on the road very quickly .20 starsread less
Wayne C.
7/21/2021
Amazing and dedicated staff very reliable great insurance...read moreAmazing and dedicated staff very reliable great insurance great rates. Jola and Crystal are very helpful and awesome!read less
Eric R.
3/21/2022
I am delighted and extremely grateful for the...read moreI am delighted and extremely grateful for the professionalism, kindness, and for the quickness Jola with A Plus Insurance had shown towards me. I feel confident that she provided me the best and very fare price rate and I highly recommend anyone and everyone to to give her a try. You'll be happy and amazed. Thank you Jola! You've gained a longterm customer and I've gained a longterm service with peace of mind.read less
Jeff G.
9/15/2022
Crystal was very and friendly really appreciate ur help
David D.
7/21/2019
Lauren was great, very easy to deal with....read moreLauren was great, very easy to deal with. Made the process very easy.read less
sam b.
1/21/2022
Ms Katy was a phenomenal woman and I...read moreMs Katy was a phenomenal woman and I will keep in mind on renters insurance for the futureread less
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7/21/2021
Marlon helped me find the best rate and...read moreMarlon helped me find the best rate and went out of his way to assist me, saved so much time and money, definitely worth it, quick and easy. Thank you Marlon!!read less
Alexis M.
2/02/2023
Very helpful...
Espie G.
7/21/2021
I thought that Jolla went out of her...read moreI thought that Jolla went out of her way to try and help me.thank you so much.read less
Thomas E.
7/21/2020
Crystal was super helpful made everything super simple...read moreCrystal was super helpful made everything super simple and quick!
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Yesenia C.
6/21/2022
Sy was patient, answered all of my questions...read moreSy was patient, answered all of my questions thoroughly and examined all of the available options to find the best fit for me. Worked out great, and I'm paying exactly how much I wanted to be paying for the coverage I needed!! Thanks again! Definitely recommendread less
Andrew C.
7/21/2019
Extremely great help from Crystal .. Very accommodating...read moreExtremely great help from Crystal .. Very accommodating and took care of my insurance problems within a minute without making me feel like a bad guy I recommend anyone to call them thank you very much Crystal 🙂read less
Mike V.
7/21/2019
notes: single male 53 purchase immediate non...read morenotes: single male 53 purchase immediate non owners policy GA Prior insurance Safeway Lincolnread less
Ben G.
5/21/2022
Great customer service.
Joshua H.
1/21/2022
Crystal was courteous and professional with curtailing the...read moreCrystal was courteous and professional with curtailing the policy changes I requested. I highly recommended this company to assist in your Insurance needs.read less
Jason S.
7/21/2020
A plus has taken care of my insurance...read moreA plus has taken care of my insurance for years! They always find me the cheapest rates, and are honest about their experience with companies. They are so patient with running different cars info when you are car shopping. All around amazing company. I have never had an issue with them.read less
Kelly O.
7/21/2021
Katie was great. No complaints.
Michael X.
7/21/2021
Jola was incredibly helpful in setting up my...read moreJola was incredibly helpful in setting up my home and auto insurance. She got me the best rates out of multiple quotes I had received and was helpful through the whole process.read less
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10/25/2022
Im very pleased with the service i recieved...read moreIm very pleased with the service i recieved from Jola..she was fast, friendly, efficient, and kind..She was happy and more than willing to go the extra mile for me....Thanks Jola!!! You are the bomb and deserve a RAISE!!!read less
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7/21/2020
Marlon Moss was the best agent I have...read moreMarlon Moss was the best agent I have ever worked with getting coverage!! Out of 20 calls i maid today trying to get coverage after hearing sorry we can’t help you he stepped up and knocked it out of the park with the best customer care I have ever experienced 100% he will get all of my company and personal business from here on out!!read less
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8/14/2022
They find the cheapest option to fit your...read moreThey find the cheapest option to fit your needs. Its better then calling each company directly burning time.read less
